Kristen Harms

Kristen Harms is from North Central Missouri. She spent most of her childhood in Moberly, graduated high school from Macon, and even spent a few years living in Columbia.

She has always called Moberly home which is why her and her husband decided to raise their three children here. Some of her favorite things to do include: bowling, traveling, and anything outdoors.

Kristen graduated from Columbia College in 2016 where she obtained her Bachelor’s Degree in Business Administration and Human Resources. Her strong leadership skills and hard work ethic have always driven her to succeed. She started her new career with USA Mortgage in hopes of helping others.

She believes purchasing a home is one of the largest financial decisions a person makes and because of that it should be a process that they understand. Kristen is determined to educate her clients so they can feel confident and secure in their decision.

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Jim was great to work with! He really made the home buying experience easy. He was very quick with keeping me up to date on everything and letting me know what needed done so I could close on time. He made the whole home buying experience very pleasant!read more

Brandon Shubert

13:10 08 Oct 18

I can't be happier with the service I received from Michael at USA Mortgage! He took care of everything for me, even finding home owners insurance for me. I work an odd schedule so it's not easy to contact people or keep in touch, but that was no problem with Michael. He really made the whole process very easy. I would definitely recommend him.read more

Kristen Peter

16:01 05 Oct 18

Justin Lackey was great to work with. He was able to answer all my questions and was quick to respond. He really cares about his clients. I would recommend working with him to anyone

Angelo Lafata

14:58 19 Sep 18

JUSTIN Lackey very hard working lenders who gets the job done. We had a short time frame to get into a home. He made the process easy and took excellent care of our loan. JUSTIN and his team took care of us and had our best interest in mind. THANK YOU EXCELLENT JOBread more

Sam Nolla

02:23 15 Sep 18

At first I wasn’t sure if I was ready to buy a house. It seemed too complicated and I didn’t think it was the right time. Thankfully, Justin Lackey helped me through the process step by step the entire time. He was very patient and dedicated to customer satisfaction. I am now a proud homeowner thanks to Mr. Lackey and USA mortgage and do not regret it one bit. If you are in search of a home loan, I highly recommend going through him (or anyone else at USA Mortgage for that matter). Everyone there is highly professional and easy to work with.read more

Laversa Siebuhr

14:45 31 Aug 18

We recently purchased a new home and worked with Patricia Bonuchi. She was great to work with! She made us feel comfortable in asking any questions we had. She went above and beyond for us coming to our work or home to get things signed or to have a quick meeting with us to explain the process. Patricia is knowledgeable, helpful and efficient. She was an invaluable asset to our home buying process. Go see Patricia!read more

Tori Rowden

01:38 30 Aug 18

All I have to say is that Michael with USA Morgage is someone I will go to for future home buying opportunities. He was able to look at our situation, access the options, give us advice and move forward with loan processing. Michael made the process simpler than I would have believed it could be. If something comes up and you question him about it, he is open, honest and gives you the information directly needed to access all aspects.
Because of Michael's skill, I can be proud to own a home before I graduate college! Something I never thought would be a reality.
I would recommend Michael and his team to anyone looking to buy a house, whether it is their first or seventh home buying experience.read more

Kathy Thomas

15:01 29 Aug 18

Meeting Justin Lackey has been one of the best experiences. He is very knowledgeable about the business which shows he really cares about the company as well as his clients. He's so personable that he makes you feel like you have known him for years and always has a smile on his face. He can help with any and all questions you may have while giving you a very detailed answer. I will definitely recommend Justin to anyone that is looking to purchase a home.read more

Madison Vasquez

18:38 28 Aug 18

As first time home buyers & self employed the entire mortgage process was extremely intimidating! Michael was SO great at answering every question we had & worked with our unique situation to come up with the best options to get us into our new home. He goes above & beyond on his work. When compared to other lenders we had spoken with Michael is second to none. He will help you & he will make the home buying process smooth & easy! We'll definitely use him in the future & recommend him always!read more

Melissa Taylor

12:18 25 Aug 18

I was purchasing an HUD home so the process was confusing. However, Casey walked me through it and helped me find the right loan for what I wanted. Other lenders would not even try to obtain a loan for this type of property. He communicated well and if an email was sent, he followed up with a text to let me know I had something to sign or complete. He was also willing to answer my many questions to make sure I understood what I was doing.read more

Leesa Chrisco

00:33 24 Aug 18

Justin Lackey was extremely easy to work with. He shows a great level of compassion. He is extremely personable and professional. I would recommend him for a first time home buyer or anyone who has any mortgage needs. Top notch professional!!!!read more

Melissa Hardaway

23:36 28 Jul 18

Working with Michael at USA Mortgage has been a great experience. He answered our questions in a timely manner day or night and helped calm our fears during the ho e purchasing process. I would recommend him and USA Mortgage 100% to anyone who is looking for any of their home financing needs.read more

Jared Kuban

18:29 25 Jul 18

Justin and Dana are great people to go through for all of your home buying needs! They work with you to get things done in a timely manner and they’re experts at what they do. I’d recommend them to anyone!read more

Laurie Salem

12:41 15 Jul 18

Michael Vanella and the team at USA Mortgage helped us to obtain the loan we wanted with the timing we needed as well. I really appreciated his down to earth communication style, and no question was “too dumb” to ask. He always got back to us in a timely manner and patiently explained the ins and outs of our loan situation.read more

Mary C

15:06 25 Jun 18

I've spoke with other lenders in town prior to meeting with USA mortgage. I can say I've had the best experience here and with Lane as our loan provider he is the best. He walked ud through everything and answered any questions we had and gave us insight. He guided us through the entire process. I highly recommend Lane!read more

Lori Lackey

15:30 20 Jun 18

Justin Lackey with USA Mortgage in Columbia, MO was great to work with on financing a new house for us. Great customer service and very knowledgeable about the whole process. He made it fast and easy. We have not found our perfect house yet but Justin has been very patient with us and has answered all of our questions. I would not hesitate to refer him to all of our family and friends.read more

Shane Stevens

21:59 11 Jun 18

Michael is a miracle worker...he stepped up and worked so hard to get us into our home. He answered my calls, texts and e-mails everytime. His assistant Kelsey was equally as helpful. We have never seen a lender work harder and actually care about their clients.
I would recommend Michael and team to anyone interested in a home loanread more

Latonya Sharp

05:49 26 May 18

Such an awesome group!!!! Mr. Vanella walked me through my first time home buying process like a BOSS. He explained to me everything I needed to do and why and kept everything simple. I closed right on time and got the house I thought I could never get.read more

Rachelle Speak

06:54 17 May 18

Patrica at USA mortgage went above and beyond helping me through the home loan process. She always answered my call or got back to me very quickly. I was always kept informed where I was in the home loan process. I definitely recommend USA mortgage and especially Patricia.read more

Rose Russell

18:29 03 May 18

We began this process in January 2018, and I am set to close in less than a week. Michael was great to work with for purchasing my first home. He is very thorough with information and he replies quickly. He stays in touch often to keep you updated on everything in the process. I would highly recommend him to anyone I know who is thinking of buying a home.read more

Scott Jones

16:17 25 Apr 18

Mike and Dana handled everything very professionally, just like they always do. When you can depend on someone to do their job, and consider all the different outcomes for you, it makes things easy. That's what USA Mortgage does. Makes things easy.read more

Joe Lawler

02:41 25 Apr 18

Michael and Dana did a great job. This was our first home and we came into it without a clue. They both helped us in every way and explained things great.

Chris Wilhoit

00:22 05 Apr 18

Michael Vanella was a big help when it came to getting us approved for our first home purchase. It gave us a great start to the maximum we could afford on a home. When we decided to go house shopping, it made it much easier! I would recommend Michael and his team anytimeread more

A Beck

18:51 14 Mar 18

I would highly recommend Michael Vanella, from USA Mortgage, for any and all mortgage loan needs. His assistant, Dana and him, were both professional, organized and on top of everything during this process. I have worked with other mortgage lenders before and they pale in comparison to Michael and his team.read more

Ashton Whisenand

20:36 13 Mar 18

USA Mortgage Michael Vanella is the BEST. He is great at getting the loan you need for you home. Our loan officer Michael talked us through every step and informed us of any changes that was coming. The communication was great with everyone that I work with at USA Mortgage. I would recommend them to anyone that is looking to buy a home.read more

Pierre Young

17:24 21 Jan 18

Robert Peery gave me courteous service and helpful advice throughout the mortgage lending process. I was approved for a mortgage refinance loan on my condominium and also a mortgage loan on a new home at a lower interest rate than I was paying before. Thank you USA Mortgage for making the second home that I bought a really pleasant experience. I enjoyed working with my real estate agent Patty, too.read more

Lindsie Neeley

14:34 03 Jan 18

Michael and Dana went above and beyond for my family. They made the purchase of our first house happen even after being turned away from other lenders. Quick to respond to any questions even after business hours. I can never thank them enough. Highly recommended!!read more

Emily Connon

19:12 21 Dec 17

I was very pleased with my experience at USA Mortgage. My loan officer and his staff were incredibly helpful throughout the whole process. They went above and beyond to ensure I was taken care of every step of the way. I highly recommend USA Mortgage to anyone looking to buy your future home!read more

Brook Kruse

14:26 26 Oct 17

Michael Vanella is amazing! He worked very hard to get me the best interest rate possible and the best type of loan for my situation. He was quick to respond to all of my emails and took the time to explain anything that wasn't making sense to me. I was able to relax and enjoy this exciting time because I knew Michael was working hard behind the scenes. Thank you!read more

Rhiannon Lutz

18:20 07 Mar 17

The team at USA mortgage made our first home buying experience amazing, especially since we chose to buy without a realtor. Reza, James and the rest of the team always answered my questions and walked us through the steps. We really couldn't have done this without people like them. So appreciative for their service and expertise in helping us pull this off!read more